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Buy Your Home With Less Money Down
Explore loan options that require as little as 0% to 3.5% down.
Ideal for first-time buyers, young families, and anyone short on upfront funds.
What Are Low Down Payment Loans?
These are mortgage programs designed to lower the entry barrier for homeownership. They require smaller down payments than conventional loans and are often paired with grants or assistance programs.
How It Works
Down payments from 0% to 3.5%
💼 Includes FHA, VA, USDA, and special first-time buyer programs
🎁 Eligible for down payment assistance in many cases
📈 May include mortgage insurance depending on the program
Who Qualifies?
🧑🎓 First-time homebuyers
💰 Moderate-income households
📊 Buyers with fair to good credit
🎖️ Veterans or rural-area residents (for VA and USDA loans)
Why Buyers Choose Low Down Payment Options:
💸 Keep more cash in your pocket
📉 Down payments as low as 0–3.5%
🏡 Get into a home faster
🎯 Ideal for first-time or lower-income buyers
🎁 Often works with assistance or grant programs
Low Down Payment Loans FAQs
Yes! VA and USDA loans offer true zero-down financing if you qualify.
Absolutely. Many programs allow seller credits or local assistance.
FHA loans allow credit scores as low as 580 with 3.5% down.
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Disclosures and License Information
Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))
Licensed in Colorado. Regulated by the Colorado Division of Real Estate.
NMLS ID: XXXXXX • Visit https://dre.colorado.gov or call (303) 894-2166 to verify the license status or file a complaint.